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Protector. Innovator. Philanthropist.

FOR MORE INFO VISIT WWW.IMPACTMARYLANDREALESTATE.COM

IMPACT MARYLAND MONTHLY with Brittany ‘Hashtag’ Reaver

“HOW TO THRIVE IN EVERY KIND OF MARKET” JULY 2018

If you have friends, neighbors or family members who, like you, are a savvy homeowner who is concerned about how to maximize the value of your investment, and you think they would appreciate IMPACT MARYLAND MONTHLY, I’d be happy to make that happen...and, have it come as a gift from you. Here’s how it works: Simply shoot us an email (subscribe@ClientProfitSecrets.com) with your name and the name and address of the person whom would enjoy this newsletter. I’ll include a note explaining that it is totally free because you arranged for a free subscription.

At Impact Maryland Real Estate we live by

the philosophy that “Stories are the

Currency of our Society.” That’s why we

say, ‘We Don’t Sell Homes; We Sell

Dreams.’

HEADLINES

- Duck Hunt, Diving Boards & Driving

Down “Memory Lane” Pgs. 1 - 3

- July Birthdays. Pg. 4

- Don’t Forget to Have Fun. Pg. 4

- Stories From the Street – Answers to

questions most frequently asked. Pgs. 5-7

-What Recent Members said about their

experience with our Company. Pg. 8

Duck Hunt, Diving Boards &

Driving Down “Memory Lane”

Buckling our seatbelts for another crazy summer

Remember summer when you were 8 or 10 years old?

Spending the whole day in your bathing suit. Eating

popsicles until they melted on your hands. Or, drinking cold

Crystal Light lemonade so fast it gave you a brain freeze.

Ahhh, there was nothing like it.

Well, I might not be 8 years old anymore (although,

sometimes I feel like it) thankfully I get to relive some of

my old summer rituals with my girls. Like taking last-

minute road trips to visit our extended family and making

mischief with more cousins than you can count.

While I grew up in Maryland, my mom's family lived in

Kentucky and my dad's family lived in Michigan.

Of course, since my dad worked full-time, my mom was

usually the one to take us on our summer trips. So, she

would load my brother and I up in the car and take us out to

Kentucky for a couple weeks at a time. Believe it or not, my

mother had seven brothers and sisters! Most of my aunts

and uncles lived in Kentucky at the time, so you can

imagine how many cousins there were between us.

#wegobig #cousinsfordays

Continued on the Inside…

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Let me tell you, I had a blast!

I remember bouncing back and forth from

cousin's house to cousin's house. Even though it

had been months or even a year since we had

seen each other, it felt like we hadn't missed a

beat. Being a kid is easy like that. We got along.

We played and everyday was another crazy

adventure.

My Aunt April's

house was our hot

spot. Why? She

had a pool of

course! And a

huge house on

this humongous

estate. I don't

remember a day

where we weren't

outside —

jumping on the

trampoline,

swimming in the

pool until our

fingers looked

like prunes or just

chasing each other in the yard.

Of course, when we were inside we were

playing my cousin's Nintendo. It was the most

badass thing at the time — remember?

We played Duck Hunt for hours. Or, we would

get out the Power Pad — this big floor mat that

looked a lot like

Twister but was

thick and padded

and hooked right up

to the Nintendo. (It

was the Dance,

Dance Revolution

of the 80's.) We

would jam out with

our best MC

Hammer-esque

dance moves until

we were dizzy.

When we weren't

playing, we were

spending time with our aunts and uncles. We

would do Sunday Night dinners, pool parties, you

name it. Some of my favorite childhood

memories are from my summers at Aunt April's.

Now, I get to do the same thing with my girls

— making new memories with them.

Just last July, I loaded them up at 3am and took a

spur-of-the-moment trip out to Kentucky. Work

wasn't too busy at the time, so I was able to get

away. Of course, my cousins

are a bit older and have kids

of their own. So, their kids

are my girls' cousins now.

(I'm sure there's a different

word for that, but we're from

Kentucky. So, we're all just

plain cousins!)

#keepingitsimple

#kentuckygirl

This summer, we get to do

the same thing. And, man,

after the busy spring we've

had with Impact I am

ready!!

Children of the corn #miniassistants at work with Mama

#reavergirls are ready for the pool #summerfun

Keys game with the fam #werolldeep #familytimeisthebesttime

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I don't know about you, but for me this spring has

been go, go, go. When you're handling the biggest

investment someone has (or will probably ever)

make in their life, you just got to go all the way.

Whether that means 5am wake-up calls, dealing

with financing setbacks (like I mentioned in last

month's newsletter) or pulling all-nighters to

make last-minute contract changes.

And with the market we've had this spring, that

meant doing all of those things for almost two

months straight.

The way I look at it, though, you just do what you

have to go. You just get 'er done. You don't give

up on your clients. I’m sure there are a lot of

realtors who would have told my buyers, “Oh,

you can't get the financing. I'm sorry but I can’t

help you. I’m not going to go the extra mile on

this one.”

But that’s not what I’m about. That’s not what

Impact is about.

And after being in the industry for almost 5 years,

I can tell you without a shadow of a doubt that the

growth I've had this year is largely because of the

team I'm on. I'm finding my groove and I've

found my people, man! #mytribe

#nachoaveragerealtor

Not to brag, but this also happened to be my

biggest year in real estate yet! And, now,

summer is here ya’ll!

The weather's heating up. The girls are out

of school, which means my schedule’s

slowing down a bit and my 5am wake-up

calls can stop for a little while as well.

It's the perfect chance for me to focus on

the girls more and break up the monotony

a bit.

It’s also a chance for me to take my girls

along that same road trip I made with my

mom and brother every year growing up.

(Sure, there might be vodka in my Crystal

Light these days, but it still feels just like

the good ol' days.) #momlife

While my girl squad and I are living it up

in Kentucky and I'm convincing myself my 80's

dance moves are still cool, I'll still be supporting

my clients and touching base with the team I have

back in

Maryland.

I'm still here for

you guys. But if

there is ever a

need this summer

that I can't meet,

I know Sue Mart

and Eric will be

there to step in

and support me

and my clients.

What are your

summer plans?

I'd love to hear

'em!

I hope you get to take a little trip down memory

lane and relive some of your best childhood

memories. I know I'll be doing all those things

with my girls and making some sweet new

memories of our own.

Until next month,

Hashie

The whole Seiter gang in Michigan #therestoomanyofus #howluckyarewe #nerffamilyphoto #mostepicnerfgunfight

My #girlsquad #summeradventures

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Don’t Forget to Have Fun!!!!

July Quiz Question

Q: In what city did the decisive battle of the American Revolution occur, in

October 1781?

Everyone who texts, emails or calls in the correct answer by the last day of

this month will be entered into a drawing for a $25 gift certificate to

Carabba’s, Outback, Bonefish.

June Question & Answer

Q. When was the last time the

Washington Capitals were in the

Stanley Cup Finals?

A: 1998

Congratulations: Nick Schenck!

Happy Birthday

Here are July Birthdays from our friends of Impact Maryland Monthly. If you have a birthday in July and don’t see your name on this list, please email or call us so that we will include your birthday.

Be Sure to Wish these Friends a HAPPY BIRTHDAY if you see them.

Mark Gee July 1st

Ed "Cap" Pickering July 1st

Greg Maerten July 3rd

Tom McDowell July 3rd

Ron Steele July 5th

Ike Bonneville July 6th

Bob Easter July 6th

Dennis Fohner July 6th

Taylor Reiland July 6th

Ashley Deckelman July 8th

Mort Deckelman July 8th

Jean Chipouras July 11th

Mike Crocker July 11th

Tami McIntire July 11th

Cheri Keating July 12th

Aimee McIntyre July 12th

John DeFord July 14th

Casey DuBois July 14th

Andy Greenwood July 14th

Chuck Clark July 15th

Ryan Ogden July 16th

Erin Cotter July 17th

Sherri Reitz July 18th

Evan Eichler July 19th

Barb Yeager July 19th

Barb Andrese July 20th

Ethan Peifer July 20th

Debbie Spence July 21st

Jeff Sprenkle July 21st

Tanya Easter July 22nd

Rita Kulley July 22nd

Blake Jacquette July 25th

JR Ewing July 27th

Addy Basile July 28th

Tracey Nicholson July 28th

Andy Petruncio July 28th

Chris Kirby July 29th

Joe Ballenger July 31st

Allison Jones July 31st

Lou Rizzo July 31st

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Answers to the Most Frequent Questions Asked of Our Team

Learn more about some of the most commonly asked questions we get from our clients.

This month we decided to do a slightly different format for this month’s Stories from the

Street. In this issue, we’re going to cover three of the most popular questions we get asked

every month about the homebuying process and working with our team.

Here’s our response to those questions:

Question #1: Do you work mainly with buyers or sellers?

A: That’s a great question as there are many different business models in today’s real estate

market. Some agents will exclusively work with buyers and others will only work with

sellers. There are also some teams of agents who have one agent that acts as a figurehead.

That one agent will be the listing agent for every property sold by that team. They are the one

whose name you will see on the signs out in front of the property. They’re also the agent

whose name appears on any awards received from selling a house since all the team

member’s productions fall under that one specific agent.

At Impact, we’ve found that we would rather

work with the actual person regardless of

whether they are the buyer or seller. We have

a tight-knit group that works well together,

and we also cover for each other on both the

buyer and seller side of the transaction. We

love working with buyers, especially first-

time buyers. And we also love working with

sellers. We’ve created a team for sales that

includes a photographer, videographer, and a

content writer that prepares the property stories you see on our site. We do it all, and we do it

well!

We don’t look at the work we do as just a real estate transaction. We look at it as a

relationship with our clients. Whether they are looking to buy or sell a property, our team has

‘Stories From The Street’

Stories from the Street is a series monthly articles using real life examples, told in ‘story’ format to give you knowledge of what actually happens behind the scenes of a Real Estate Transaction.

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excellent expertise in both. We use a documented approach for selling that follows Steve

Jobs’ philosophy. This specific approach has been tested and fine-tuned to ensure that the

maximum amount of profit is realized for our seller clients.

Question #2: I have a property that I want to sell. Do I have to pay capital gains tax?

A: DISCLAIMER: Before we answer this question, it’s important to note that we are NOT tax

professionals. To get the best possible answer for your specific situation, please contact your

designated tax advisor for advice and

clarification. The answer provided

below is based on general

information and may not apply to

your property or situation.

Again, this is an excellent question as

selling a home could have significant

consequences to your overall tax

structure. If the property you’re

selling is your primary residence and

you’ve lived there two out of the last

five years, you could be exempt from

capital gains tax. If you’re single, proceeds up to $250,000 are tax-free. If you’re married,

then up to $500,000 of the proceeds are tax-free. However, there are some caveats so be sure

to check with your tax professional.

If you are selling an investment property, there are a lot of variables that go into how or if

capital gains tax is applied. You can potentially defer tax consequences by using what’s

called a 1031 tax exchange. While it doesn’t exclude you from owing taxes, the 1031 tax

exchange delays any tax consequences to a future date.

With a 1031 exchange and selling an investment property, you will have a 3rd party

intermediary hold onto the proceeds from the sale until you purchase another investment

property. When you sell Property A, you have 45 days to identify three properties that you’re

interested in buying. Then you have 180 days from the sale of Property A to choose and buy

Property B with those proceeds.

Always check with your tax professional to see what options you have for your specific

situation.

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Question #3: How much do I need to have for a down payment when I buy a house?

A: Another great question that’s very popular with our clients. There are different types of

loans you can use to buy a home, and each one has its own set of requirements for a down

payment.

The loans that are available to buy a home include VA, FHA, Conventional, and USDA. The

down payments required for them range from 0 to 20%. A lot of people assume that they

automatically need to put the full 20% down, which isn’t true anymore in the lending world.

Each of the loans mentioned above accommodates different types of buyers. Along with

varying levels of down payment requirements, other caveats come into play. These include

such conditions as having good credit and sufficient income to get approved so that you can

buy a home.

Once common misconception about buying a home

is thinking all you need to have is the down

payment. For instance, a $100,000 property with a

5% down requirement would mean needing $5,000

down. However, more money is involved in order

to complete the transaction.

A homebuyer also needs to consider the closing

costs involved with buying property. Closing costs

can include lender fees, appraisal fees, attorney

fees, record fees for transfer of title, and escrow for taxes and insurance. The typical amount

of closing costs ranges from 3 – 5% of the loan depending on its type.

To consider how much money you need to have on hand to buy a house, you have to take the

down payment requirement as well as a safe cushion of 5% for closing costs. So, when you

hear that a loan offers zero-percent down, you will still need money to pay for closing costs.

In some cases, a seller may pay the closing costs for a buyer. It’s not as common now since

we’re currently in a seller’s market. That’s why we recommend you hire a professional to

help you when you buy or sell a home. When a client comes to us wanting to buy a house, we

can assist with making an offer so that it’s structured with that type of caveat, so you don’t

have to worry about bringing as much money to the table. There are hundreds of ways you

can structure an offer, so it’s essential to have an expert on your side to make it work best for

your situation.

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Testimonials from recent ‘IMPACT Maryland Monthly’ Members

We LOVE our clients and work tirelessly to get Superior Results when you hire us. We realize that your home is your most important

investment we treat the entire experience knowing that it is YOUR family and YOUR life that we are involved. We don’t take this

responsibility lightly. The following review is of one of our Partners and is taken off our Facebook Page. If we have worked with you,

we’d love your feedback. www.facebook.com/impactmarylandrealestate

- Brittany Reaver is a long time family friend, so it was a no brainer to work with her when it came time to buy our

first home, and we were not disappointed! Brittany was great through the entire process, giving advice and

recommendations as needed. She was able to quickly set up at the showings at the properties we wanted to see and

was very responsive with any questions we had. She truly had our best interests in mind and made the entire process

fun & smooth! – Jamie M.

This newsletter is intended for entertainment purposes only. Copyright 2018 Impact Maryland Monthly. This information is solely advisory, and should not be substituted for medical, legal, financial or tax advice. Any and all decisions and actions must be done through the advice and counsel of a qualified physician, attorney, financial advisor and/or CPA. We cannot be held responsible for actions you may take without proper medical, financial, legal or tax advice.

IMPACT MARYLAND MONTHLY with Brittany ‘Hashtag’ Reaver

3295 Prices Distillery Rd. Ijamsville, Md. 21754 240-815-0890

For Inquires AND Referrals contact:

BrittanyReaver.Impact@gmail.com

Or Call/Text to 410-422-5826